Hi and welcome. My first response will follow shortly. Please feel free to follow up if anything is not clear.
The NAP procedure may be difficult because of the other debts (which would not be written off). But debt collection agencies dont have any special powers. All that can be done is to get a judgment and then try to enforce this. If this went to Collections they would only order you to pay what you can afford which might be as low as $10 per week.
My worry with this is that the agency will add up to 30% then add court costs. Should I ring the debt agency direct and advise that I want to take the above option of court enforcement?
I've tried to negotiate with Legal Aid regarding the caveat on the property, but they said that they can no longer negotiate and that I have to deal with RNG debt agency direct.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).